BBVA Compass VisaSignature® Credit Card

The BBVA Compass Visa Signature® Credit Card* offers a wealth of privilege, perks and premier services – all in addition to the CompassPoints® rewards program.

Your BBVA Compass Visa Signature Credit Card benefits include:

Introductory purchase APRs

Introductory Balance Transfer APRs

No annual fee

No preset spend limit

VIP Entertainment

Complimentary Concierge Service

Visa Signature Credit Card benefits put you in charge and help you get the most out of your purchases. You’ll enjoy instant access to preferred seating at popular sports, music, film and theater events, travel packages and savings, and dining perks.

Visa Zero Liability†

This policy guarantees that, when you're a Visa cardholder, you will not be held responsible for fraudulent charges, period. Learn more on the Visa website>

**Cardholders are responsible for the cost on any goods or services purchased by Visa Signature® Concierge on the cardholders' behalf.

***Certain restrictions and exclusions may apply. Individual transactions are evaluated by BBVA Compass based on various credit and risk factors. If BBVA Compass authorizes a transaction that causes you to exceed your credit limit, then you must pay, as part of your next monthly minimum amount due, the full amount by which your new balance exceeds your credit limit.

1Alerts: Alerts for card transactions and reward redemption are subject to service availability to your mobile device and cannot be guaranteed by BBVA Compass. Alerts are subject to merchant billing practices and may not be received until your card is charged for the purchase price.

Get a great introductory APR on purchases and balance transfers.

These terms are accurate as of August 29, 2016, but may have changed after that date. You can always find out the current terms by contacting us at: BBVA Compass, P.O. Box 2210, Decatur, AL 35699, or 1-800-239-5175.

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

0% introductory APR for six months.

After that, your APR will be 9.49% to 23.49% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

0% to 3.99% introductory APR for one year, based on your credit worthiness.

After that, your APR will be 9.49% to 23.49% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

22.49%.

This APR will vary with the market based on the Prime Rate.

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.

Minimum Interest Charge

If you are charged interest on purchases, the charge will be no less than $1.

Either $10 or 4% of the amount of each cash advance, whichever is greater

Balance Transfer

Either $10 or 4% of the amount of each transfer, whichever is greater

Foreign Transaction

3% of each transaction in U.S. dollars

Penalty Fees

Late Payment

Up to $37

Returned Payment

Up to $27

How We Will Calculate Your Balance: We use a method called "daily balance."

The Introductory APR for Purchases will apply through the end of the 6th billing cycle after the account is opened for all Purchases posted to the account within the same period. The Introductory APR for Balance Transfers will apply through the end of the first year after the account is opened for all Balance Transfers requested within 30 days of account opening.

Keep in mind that if you take advantage of any promotional APR Balance Transfer/Convenience Check/Cash Advance offer from BBVA Compass, you may lose your grace period on new Purchases. That is because you must pay your entire balance each month, including any balance(s) created by promotional Balance Transfer/Convenience Check/Cash Advance offers, by the payment due date to avoid interest on Purchase transactions.

Other Fees: To the extent permitted by applicable law, the following fees apply: Returned Check Fee – Up to $27; Stop Payment Fee - $29; Expedited Delivery Fee - amount determined at time of request; Document Fees - $5 to $37 depending upon the item; Transfer Fee (for direct deposit of Cash Advance to your checking account) - $25; Expedited Payment Fee - $15; Skip Payment Fee (if offered by us, accepted by you and your Minimum Payment Due would have been $200 or more) - $35; Rate Reduction Fee (if offered by us and accepted by you) - $75.

All credit cards subject to approval, including credit approval. The BBVA Compass Visa Signature Credit Card may not be available to residents of all states. California Residents: Married applicants may apply for separate accounts. Delaware Residents: Service charges not in excess of those permitted by law will be charged on the outstanding balance from “month-to-month.” New York Residents: New York Residents may contact the New York State Department of Financial Services at 1-800-342-3736 or visit its website, www.dfs.ny.gov, for free information on comparative credit card rates, fees, and grace periods. Ohio Residents: The Ohio law against discrimination requires that all creditors make credit equally available to all creditworthy customers, and that the credit reporting agencies maintain and separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. Maryland Residents: Finance charges will be imposed in amounts or at rates not in excess of those permitted by law.

If you take advantage of any promotional APR Balance Transfer/convenience Check/Cash Advance offers from BBVA Compass, you may lose your grace period on new Purchases. That is because you must pay your entire balance each month, including any balance(s) created by promotional offers, by the payment due date to avoid interest on Purchase transactions.

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